Premium Audit Expert (Part-Time Product Consultant)

Consultant for Premium Audit Workflow Optimization

TrustLayer is at the forefront of revolutionizing risk management by automating and simplifying the certificate of insurance (COI) process. Our innovative platform enables businesses to ensure compliance, mitigate risk, and enhance operational efficiency. As a rapidly growing SaaS company, we are on a mission to significantly expand our market presence and impact.

The Opportunity

We have a strong belief that the traditional premium audit experience is broken for the insured. Surprise additional premiums, fights over independent contractor classification, manual subcontractor evidence gathering, and slow disputes are all friction points we already see show up in our existing data. Because we sit on the largest connected vendor compliance graph in the industry, we are uniquely positioned to give policyholders, brokers, and carriers a faster, cleaner audit cycle.

We need a consultant who has lived inside premium audit, knows where the bodies are buried, and wants to help shape an actual product rather than just advise from the sidelines. This is a hands-on, opinion-having role.

What Success Looks Like (First 90 Days)

• A mapped WC + GL premium audit workflow, from bind through final audit billing and dispute, with the highest-friction steps called out
• A prioritized top-10 requirements list (MVP vs v2) with clear acceptance criteria an engineering team can build against
• Recommended data inputs/outputs for class codes, payroll inclusion rules, subcontractor cost treatment, and certificate sufficiency checks
• A pricing / packaging sanity check grounded in audit economics and buyer behavior (insured, broker, carrier/TPA)
• 23 key risk areas (regulatory, dispute handling, data gaps) with mitigations

What You Will Do

Help us scope and pressure test a Premium Audit applet on our Party Portal. That means:

• Mapping the end-to-end workers' comp and GL premium audit workflow, from policy bind through final audit billing and dispute
• Identifying the highest-leverage friction points where software plus our existing COI and vendor data can collapse weeks of work into hours
• Reviewing product specs, mockups, and pricing models with a sharp red pen
• Translating NCCI class code logic, payroll inclusion rules, subcontractor cost treatment, and certificate sufficiency standards into requirements an engineering team can build against
• Helping us evaluate carrier and TPA partnership opportunities and sanity check our positioning against incumbents like Overland Solutions, EXL, and internal carrier audit teams
• Occasionally joining customer discovery calls with brokers, insureds, or carrier contacts when domain credibility matters
• Flagging adjacent product opportunities in audit dispute, premium recovery, and exposure reporting

You will work directly with our product, engineering, and CEO teams. You will see your input show up in the product within weeks, not quarters.

Who You Are

• 7+ years in commercial premium audit, ideally a mix of carrier-side and third-party audit firm experience
• Deep working knowledge of NCCI rules, state-specific WC variations, and GL audit basis (payroll, sales, sub costs, units)
• Strong opinions on what makes subcontractor cost exclusions stick versus get reclassified
• Comfortable reading product specs and giving structured, prioritized feedback
• Genuine curiosity about how software, AI, and data networks can change how this work gets done. You do not need to be technical, but you should be excited about building something rather than protecting the status quo
• Bonus: prior experience at PAAS, ISO, an insurtech, a major carrier audit group, or a national TPA
• Bonus: existing relationships with broker risk management practices or carrier audit leadership

Not a Fit If

• Your experience is primarily personal lines, or you have not worked a commercial WC/GL audit end-to-end
• You are not comfortable translating domain rules into testable product requirements

Engagement Details

• Start: as soon as we find the right person
• Initial commitment: 90 days, with intent to extend
• Time: flexible; 510 hours/week typical, with some weeks heavier during product sprints
• Mostly async, with a weekly working session and occasional customer calls
• 1099 contractor, signed consulting agreement, standard IP and confidentiality terms